# Adjudicate credit

*/Processes/Adjudicate_credit*

## Process Profile

**Outcome**: A credit limit and payment terms are approved, documented, and applied to the customer account.
**Trigger**: A commercial customer submits a credit application or requests a credit limit increase for wholesale petroleum purchases.
**Key Steps**:
- Receive credit application and supporting financial documents
- Pull commercial credit reports and verify trade references
- Analyze financial statements and calculate risk scores
- Determine credit limit and applicable payment terms
- Route decision through the delegation of authority for approval
- Communicate the final credit decision to the customer
- Update the customer master data and order management system
**Measured By**:
- [Credit Approval Cycle Time](/Metrics/Credit_Approval_Cycle_Time)
- [Bad Debt Expense Ratio](/Metrics/Bad_Debt_Expense_Ratio)
- [Credit Decision Appeal Rate](/Metrics/Credit_Decision_Appeal_Rate)
- [Cost Per Credit Application](/Metrics/Cost_Per_Credit_Application)

## Boundary Of Firm

**Outsourced To**:
- [Credit Decisioning Provider](/CompanyTypes/Credit_Decisioning_Provider)
- [Credit Bureau](/CompanyTypes/Credit_Bureau)
- [Loan Servicing Provider](/CompanyTypes/Loan_Servicing_Provider)
**Automatability**: augmented
**Routing Summary**:
- Standard consumer credit applications are decisioned automatically by a credit decision engine that pulls bureau data, scores risk, and applies policy cutoffs.
- Thin-file, high-exposure, and borderline applications are routed in-house to underwriters who exercise judgment within delegated authority.
- Adverse-action and fair-lending review stays in-house under compliance oversight; the underlying score and policy rules are automatable but the regulated decision rationale is reviewed by a person.
**Delivered By Role**:
- [Credit Analyst](/Processes/Adjudicate_credit/JobTypes/Credit_Analyst)
- [Underwriter](/Processes/Adjudicate_credit/JobTypes/Underwriter)
- [Credit Risk Officer](/Processes/Adjudicate_credit/JobTypes/Credit_Risk_Officer)
**Asset Specificity**: specific
**Automated By Action**:
- [Scoring Creditworthiness](/Action/Scoring_Creditworthiness)
- [Applying Credit Policy Rules](/Action/Applying_Credit_Policy_Rules)
- [Rendering Credit Decision](/Action/Rendering_Credit_Decision)
**Automated By Software**:
- [Credit Decision Engine](/Software/Credit_Decision_Engine)
- [Loan Origination System](/Software/Loan_Origination_System)
**Delivered By Department**:
- [Credit Risk Department](/Processes/Adjudicate_credit/Departments/Credit_Risk_Department)
- [Underwriting](/Processes/Adjudicate_credit/Departments/Underwriting)

## Neighborhood

### Parent

- [Petroleum Refineries](/Industries/Petroleum_Refineries) — parent · Industries

### Siblings

- [Manage transportation network](/Processes/Manage_transportation_network) — siblings · Processes
- [Monitor and manage functional HSSE management program](/Processes/Monitor_and_manage_functional_HSSE_management_program) — siblings · Processes
- [Communicate HSSE issues to stakeholders and provide support](/Processes/Communicate_HSSE_issues_to_stakeholders_and_provide_support) — siblings · Processes
- [Manage HSSE costs and benefits](/Processes/Manage_HSSE_costs_and_benefits) — siblings · Processes
- [Measure and report HSSE performance](/Processes/Measure_and_report_HSSE_performance) — siblings · Processes
- [Provide employees/families with HSSE support](/Processes/Provide_employees%2Ffamilies_with_HSSE_support) — siblings · Processes
- [Define and manage retail strategy](/Processes/Define_and_manage_retail_strategy) — siblings · Processes
- [Define and manage strategy for all other channels](/Processes/Define_and_manage_strategy_for_all_other_channels) — siblings · Processes
- [Develop and manage wholesale/rack fuels pricing](/Processes/Develop_and_manage_wholesale%2Frack_fuels_pricing) — siblings · Processes
- [Develop and manage retail fuels pricing](/Processes/Develop_and_manage_retail_fuels_pricing) — siblings · Processes
- [Manage wholesale/rack accounts](/Processes/Manage_wholesale%2Frack_accounts) — siblings · Processes
- [Establish lifting agreements](/Processes/Establish_lifting_agreements) — siblings · Processes
- [Qualify truck transportation](/Processes/Qualify_truck_transportation) — siblings · Processes
- [Establish rack clearances](/Processes/Establish_rack_clearances) — siblings · Processes
- [Sell ancillary products and services](/Processes/Sell_ancillary_products_and_services) — siblings · Processes
- [Evaluate supply network](/Processes/Evaluate_supply_network) — siblings · Processes
- [Determine inventory targets](/Processes/Determine_inventory_targets) — siblings · Processes
- [Forecast equity crude production](/Processes/Forecast_equity_crude_production) — siblings · Processes
- [Identify long and short positions](/Processes/Identify_long_and_short_positions) — siblings · Processes
- [Evaluate commodity values](/Processes/Evaluate_commodity_values) — siblings · Processes
- [Gather market prices](/Processes/Gather_market_prices) — siblings · Processes
- [Forecast commodity prices](/Processes/Forecast_commodity_prices) — siblings · Processes
- [Develop and calculate forward curves](/Processes/Develop_and_calculate_forward_curves) — siblings · Processes
- [Develop and maintain benchmark prices](/Processes/Develop_and_maintain_benchmark_prices) — siblings · Processes
- [Trade commodity products](/Processes/Trade_commodity_products) — siblings · Processes
- [Develop overall trading strategy and measurement approach](/Processes/Develop_overall_trading_strategy_and_measurement_approach) — siblings · Processes
- [Monitor environment for trading opportunities](/Processes/Monitor_environment_for_trading_opportunities) — siblings · Processes
- [Execute spot purchases, sales and buy/sells](/Processes/Execute_spot_purchases,_sales_and_buy%2Fsells) — siblings · Processes
- [Sell by-products](/Processes/Sell_by-products) — siblings · Processes
- [Execute paper deals](/Processes/Execute_paper_deals) — siblings · Processes
- [Review detailed production schedule](/Processes/Review_detailed_production_schedule) — siblings · Processes
- [Monitor plant inventories](/Processes/Monitor_plant_inventories) — siblings · Processes
- [Perform production yield accounting and mass balance reconciliation](/Processes/Perform_production_yield_accounting_and_mass_balance_reconciliation) — siblings · Processes
- [Perform quality assurance](/Processes/Perform_quality_assurance) — siblings · Processes
- [Monitor and control production quality for each stream](/Processes/Monitor_and_control_production_quality_for_each_stream) — siblings · Processes
- [Monitor quality of delivered or received materials](/Processes/Monitor_quality_of_delivered_or_received_materials) — siblings · Processes
- [Operate laboratory](/Processes/Operate_laboratory) — siblings · Processes
- [Manage bulk transportation](/Processes/Manage_bulk_transportation) — siblings · Processes
- [Arrange logistics contracts](/Processes/Arrange_logistics_contracts) — siblings · Processes
- [Schedule and nominate pipeline, truck, rail, barge and/or tanker shipments](/Processes/Schedule_and_nominate_pipeline,_truck,_rail,_barge_and%2For_tanker_shipments) — siblings · Processes
- [Manage pipeline shipments](/Processes/Manage_pipeline_shipments) — siblings · Processes
- [Qualify vessels](/Processes/Qualify_vessels) — siblings · Processes
- [Schedule vessels](/Processes/Schedule_vessels) — siblings · Processes
- [Schedule wharves/berths](/Processes/Schedule_wharves%2Fberths) — siblings · Processes
- [Manage vessel shipments](/Processes/Manage_vessel_shipments) — siblings · Processes
- [Schedule rail](/Processes/Schedule_rail) — siblings · Processes
- [Manage rail shipments](/Processes/Manage_rail_shipments) — siblings · Processes
- [Schedule bulk truck shipments](/Processes/Schedule_bulk_truck_shipments) — siblings · Processes
- [Manage bulk truck shipments](/Processes/Manage_bulk_truck_shipments) — siblings · Processes
- [Manage book transfers](/Processes/Manage_book_transfers) — siblings · Processes
- [Manage net outs](/Processes/Manage_net_outs) — siblings · Processes
- [Manage claims](/Processes/Manage_claims) — siblings · Processes
- [Process and audit bulk carrier invoices and documents](/Processes/Process_and_audit_bulk_carrier_invoices_and_documents) — siblings · Processes
- [Plan inbound crude production receipts](/Processes/Plan_inbound_crude_production_receipts) — siblings · Processes
- [Reconcile inventories](/Processes/Reconcile_inventories) — siblings · Processes
- [Manage bulk inventories](/Processes/Manage_bulk_inventories) — siblings · Processes
- [Manage bulk inventory](/Processes/Manage_bulk_inventory) — siblings · Processes
- [Manage leased space (throughputs)](/Processes/Manage_leased_space_(throughputs)) — siblings · Processes
- [Manage third party bulk storage](/Processes/Manage_third_party_bulk_storage) — siblings · Processes
- [Manage bulk in-transit inventories](/Processes/Manage_bulk_in-transit_inventories) — siblings · Processes
- [Manage commercial and retail inventories](/Processes/Manage_commercial_and_retail_inventories) — siblings · Processes
- [Forecast end user demand](/Processes/Forecast_end_user_demand) — siblings · Processes
- [Monitor current and forward physical inventories positions](/Processes/Monitor_current_and_forward_physical_inventories_positions) — siblings · Processes
- [Reconcile book to physical](/Processes/Reconcile_book_to_physical) — siblings · Processes
- [Monitor customer inventories](/Processes/Monitor_customer_inventories) — siblings · Processes
- [Manage redirects/rerouting](/Processes/Manage_redirects%2Frerouting) — siblings · Processes
- [Manage commodity positions](/Processes/Manage_commodity_positions) — siblings · Processes
- [Manage volumetric position](/Processes/Manage_volumetric_position) — siblings · Processes
- [Monitor current and forward commodity positions](/Processes/Monitor_current_and_forward_commodity_positions) — siblings · Processes
- [Monitor strategic supply agreements](/Processes/Monitor_strategic_supply_agreements) — siblings · Processes
- [Manage exchange paybacks](/Processes/Manage_exchange_paybacks) — siblings · Processes
- [Monitor against supply plan](/Processes/Monitor_against_supply_plan) — siblings · Processes
- [Manage strategy and trader performance](/Processes/Manage_strategy_and_trader_performance) — siblings · Processes
- [Revise supply plan](/Processes/Revise_supply_plan) — siblings · Processes
- [Generate trading invoice](/Processes/Generate_trading_invoice) — siblings · Processes
- [Generate term purchase/sale statement](/Processes/Generate_term_purchase%2Fsale_statement) — siblings · Processes
- [Generate throughput statement](/Processes/Generate_throughput_statement) — siblings · Processes
- [Generate exchange statement](/Processes/Generate_exchange_statement) — siblings · Processes
- [Generate commercial invoice/statement](/Processes/Generate_commercial_invoice%2Fstatement) — siblings · Processes
- [Generate retailer invoice](/Processes/Generate_retailer_invoice) — siblings · Processes
- [Plan and develop retail sites](/Processes/Plan_and_develop_retail_sites) — siblings · Processes
- [Plan major maintenance and plant turnarounds](/Processes/Plan_major_maintenance_and_plant_turnarounds) — siblings · Processes
- [Analyze assets and predict facility maintenance requirements](/Processes/Analyze_assets_and_predict_facility_maintenance_requirements) — siblings · Processes
- [Optimize plant units](/Processes/Optimize_plant_units) — siblings · Processes
- [Plan ongoing maintenance](/Processes/Plan_ongoing_maintenance) — siblings · Processes
- [Manage rack allocations](/Processes/Manage_rack_allocations) — siblings · Processes
- [Perform retail sales](/Processes/Perform_retail_sales) — siblings · Processes
- [Define objectives](/Processes/Define_objectives) — siblings · Processes
- [Define evaluation criteria](/Processes/Define_evaluation_criteria) — siblings · Processes
- [Assess and analyze long term market dynamics](/Processes/Assess_and_analyze_long_term_market_dynamics) — siblings · Processes
- [Develop possible strategies](/Processes/Develop_possible_strategies) — siblings · Processes
- [Evaluate trade-offs, refine and select strategy](/Processes/Evaluate_trade-offs,_refine_and_select_strategy) — siblings · Processes
- [Evaluate trading opportunities](/Processes/Evaluate_trading_opportunities) — siblings · Processes
- [Gather and analyze market data (supply, demand, inventory, pricing) for relevant products in relevant markets](/Processes/Gather_and_analyze_market_data_(supply,_demand,_inventory,_pricing)_for_relevant_products_in_relevant_markets) — siblings · Processes
- [Discover potential value in opportunities consistent with trading strategy and objectives and within established capital allocation and risk limits](/Processes/Discover_potential_value_in_opportunities_consistent_with_trading_strategy_and_objectives_and_within_established_capital_allocation_and_risk_limits) — siblings · Processes
- [Select and contact counterparties](/Processes/Select_and_contact_counterparties) — siblings · Processes
- [Establish terms and conditions of transaction](/Processes/Establish_terms_and_conditions_of_transaction) — siblings · Processes
- [Obtain credit clearance or collateralization](/Processes/Obtain_credit_clearance_or_collateralization) — siblings · Processes
- [Communicate deal terms to operations for deal execution and fulfillment](/Processes/Communicate_deal_terms_to_operations_for_deal_execution_and_fulfillment) — siblings · Processes
- [Obtain market and internal pricing data](/Processes/Obtain_market_and_internal_pricing_data) — siblings · Processes
- [Calculate change in market value of positions](/Processes/Calculate_change_in_market_value_of_positions) — siblings · Processes
- [Determine other margins and costs](/Processes/Determine_other_margins_and_costs) — siblings · Processes
- [Calculate daily trading profit and loss](/Processes/Calculate_daily_trading_profit_and_loss) — siblings · Processes
- [Create and communicate pricing exposure report](/Processes/Create_and_communicate_pricing_exposure_report) — siblings · Processes
- [Determine current carbon certificate position/obligations by vintage](/Processes/Determine_current_carbon_certificate_position%2Fobligations_by_vintage) — siblings · Processes
- [Determine carbon trading marker](/Processes/Determine_carbon_trading_marker) — siblings · Processes
- [Determine cost and value of certificate creation](/Processes/Determine_cost_and_value_of_certificate_creation) — siblings · Processes
- [Determine recovery from customers](/Processes/Determine_recovery_from_customers) — siblings · Processes
- [Calculate P&L on certificate trading](/Processes/Calculate_P&L_on_certificate_trading) — siblings · Processes
- [Conduct internal and regulatory audits](/Processes/Conduct_internal_and_regulatory_audits) — siblings · Processes
- [Execute daily contract (sales, purchases, other) compliance tests](/Processes/Execute_daily_contract_(sales,_purchases,_other)_compliance_tests) — siblings · Processes
- [Compile and report carbon and sustainability data](/Processes/Compile_and_report_carbon_and_sustainability_data) — siblings · Processes
- [Manage site specific and general training](/Processes/Manage_site_specific_and_general_training) — siblings · Processes
- [Manage certification process](/Processes/Manage_certification_process) — siblings · Processes
- [Identify trends in future demand for products and product specifications](/Processes/Identify_trends_in_future_demand_for_products_and_product_specifications) — siblings · Processes
- [Analyze future product specifications and throughput limitations](/Processes/Analyze_future_product_specifications_and_throughput_limitations) — siblings · Processes
- [Analyze changing feedstock/petroleum cost and supply](/Processes/Analyze_changing_feedstock%2Fpetroleum_cost_and_supply) — siblings · Processes
- [Analyze asset reconfiguration alternatives and investment requirements](/Processes/Analyze_asset_reconfiguration_alternatives_and_investment_requirements) — siblings · Processes
- [Benchmark asset performance](/Processes/Benchmark_asset_performance) — siblings · Processes
- [Evaluate performance of existing products/services against regulatory requirements](/Processes/Evaluate_performance_of_existing_products%2Fservices_against_regulatory_requirements) — siblings · Processes
- [Conduct fleet vehicle tests, emissions tests, chemical analysis](/Processes/Conduct_fleet_vehicle_tests,_emissions_tests,_chemical_analysis) — siblings · Processes
- [Evaluate extent to which component blend meets product specifications and regulatory standards](/Processes/Evaluate_extent_to_which_component_blend_meets_product_specifications_and_regulatory_standards) — siblings · Processes
- [Evaluate impact of commercial production on remaining product slate](/Processes/Evaluate_impact_of_commercial_production_on_remaining_product_slate) — siblings · Processes
- [Obtain approval for construction/reconfiguration of units](/Processes/Obtain_approval_for_construction%2Freconfiguration_of_units) — siblings · Processes
- [Identify boundaries, coverage, and constraints imposed by regulatory agencies](/Processes/Identify_boundaries,_coverage,_and_constraints_imposed_by_regulatory_agencies) — siblings · Processes
- [Develop strategy for retail and wholesale distribution](/Processes/Develop_strategy_for_retail_and_wholesale_distribution) — siblings · Processes
- [Develop strategy for direct supply](/Processes/Develop_strategy_for_direct_supply) — siblings · Processes
- [Establish retail and wholesale distribution goals](/Processes/Establish_retail_and_wholesale_distribution_goals) — siblings · Processes
- [Establish direct supply customer goals](/Processes/Establish_direct_supply_customer_goals) — siblings · Processes
- [Test strategies under various scenarios and conditions (market, environmental)](/Processes/Test_strategies_under_various_scenarios_and_conditions_(market,_environmental)) — siblings · Processes
- [Finalize terms & confirm](/Processes/Finalize_terms_&_confirm) — siblings · Processes
- [Calculate trading profit and loss (mark to market)](/Processes/Calculate_trading_profit_and_loss_(mark_to_market)) — siblings · Processes
- [Manage carbon (certificate) position and profit and loss](/Processes/Manage_carbon_(certificate)_position_and_profit_and_loss) — siblings · Processes
- [Obtain market and internal carbon pricing data](/Processes/Obtain_market_and_internal_carbon_pricing_data) — siblings · Processes
- [Calculate change in market value of carbon positions](/Processes/Calculate_change_in_market_value_of_carbon_positions) — siblings · Processes
- [Determine other carbon margins and costs](/Processes/Determine_other_carbon_margins_and_costs) — siblings · Processes
- [Review supply, production, distribution and materials strategies](/Processes/Review_supply,_production,_distribution_and_materials_strategies) — siblings · Processes
- [Define support utilities strategy](/Processes/Define_support_utilities_strategy) — siblings · Processes
- [Collaborate with regulators](/Processes/Collaborate_with_regulators) — siblings · Processes
- [Forecast equity additives production and availability](/Processes/Forecast_equity_additives_production_and_availability) — siblings · Processes
- [Calculate hydrocarbon/product requirements](/Processes/Calculate_hydrocarbon%2Fproduct_requirements) — siblings · Processes
- [Calculate requirements for fuel additives](/Processes/Calculate_requirements_for_fuel_additives) — siblings · Processes
- [Establish in-house and contract certified laboratory for fuel quality analysis](/Processes/Establish_in-house_and_contract_certified_laboratory_for_fuel_quality_analysis) — siblings · Processes
- [Manage volume of products delivered](/Processes/Manage_volume_of_products_delivered) — siblings · Processes
- [Manage support utilities](/Processes/Manage_support_utilities) — siblings · Processes
- [Manage waste products and hazardous materials](/Processes/Manage_waste_products_and_hazardous_materials) — siblings · Processes
- [Optimize production and yield](/Processes/Optimize_production_and_yield) — siblings · Processes
- [Report quality and volumes to regulatory agencies as required](/Processes/Report_quality_and_volumes_to_regulatory_agencies_as_required) — siblings · Processes
- [Monitor product quality, volumes and losses through transport](/Processes/Monitor_product_quality,_volumes_and_losses_through_transport) — siblings · Processes
- [Manage plant shutdown](/Processes/Manage_plant_shutdown) — siblings · Processes
- [Measure product quality](/Processes/Measure_product_quality) — siblings · Processes
- [Establish HSSE organizational structure and resources](/Processes/Establish_HSSE_organizational_structure_and_resources) — siblings · Processes
- [Establish supporting agreements with local, regional and specialized for HSSE support](/Processes/Establish_supporting_agreements_with_local,_regional_and_specialized_for_HSSE_support) — siblings · Processes
- [Manage HSSE documents and records](/Processes/Manage_HSSE_documents_and_records) — siblings · Processes
- [Develop and manage HSSE communications](/Processes/Develop_and_manage_HSSE_communications) — siblings · Processes
- [Develop and manage location awareness HSSE program](/Processes/Develop_and_manage_location_awareness_HSSE_program) — siblings · Processes
- [Develop and manage location awareness for emissions monitoring/control program](/Processes/Develop_and_manage_location_awareness_for_emissions_monitoring%2Fcontrol_program) — siblings · Processes
- [Establish and manage the management of change (MoC) process for HSSE](/Processes/Establish_and_manage_the_management_of_change_(MoC)_process_for_HSSE) — siblings · Processes
- [Manage and operate Permit to Work (PtW) system](/Processes/Manage_and_operate_Permit_to_Work_(PtW)_system) — siblings · Processes
- [Manage and operate HSSE contractor and visitor access system](/Processes/Manage_and_operate_HSSE_contractor_and_visitor_access_system) — siblings · Processes
- [Calculate carbon certificate position](/Processes/Calculate_carbon_certificate_position) — siblings · Processes
- [Reconcile book to physical bulk inventories](/Processes/Reconcile_book_to_physical_bulk_inventories) — siblings · Processes

### Who runs this

- [Credit Department](/Departments/Credit_Department) — runs · Departments

### Problems this exposes

- [credit exposure on crude-feedstock prepayments to a producer must net against product-offtake receivables owed by the same counterparty, not be adjudicated as one-way risk](/Problems/credit_exposure_on_crude-feedstock_prepayments_to_a_producer_must_net_against_product-offtake_receivables_owed_by_the_same_counterparty,_not_be_adjudicated_as_one-way_risk) — exposes problem · Problems
- [credit decision tied to take-or-pay offtake contracts and storage collateral, outside consumer fair-lending frameworks](/Problems/credit_decision_tied_to_take-or-pay_offtake_contracts_and_storage_collateral,_outside_consumer_fair-lending_frameworks) — exposes problem · Problems
- [trade-credit limits for fuel jobbers must flex with crude/product price swings that change exposure per unsold gallon](/Problems/trade-credit_limits_for_fuel_jobbers_must_flex_with_crude%2Fproduct_price_swings_that_change_exposure_per_unsold_gallon) — exposes problem · Problems
- [distributor credit adjudicated against commodity-price-driven receivable volatility, not a consumer bureau score](/Problems/distributor_credit_adjudicated_against_commodity-price-driven_receivable_volatility,_not_a_consumer_bureau_score) — exposes problem · Problems
- [underwriter overrides of automated decisioning that must be defensibly justified for fair-lending audit](/Problems/underwriter_overrides_of_automated_decisioning_that_must_be_defensibly_justified_for_fair-lending_audit) — exposes problem · Problems
- [thin-file or no-hit applicants where a bureau score is absent](/Problems/thin-file_or_no-hit_applicants_where_a_bureau_score_is_absent) — exposes problem · Problems
- [reconciling stated income against bank-statement and DTI evidence](/Problems/reconciling_stated_income_against_bank-statement_and_DTI_evidence) — exposes problem · Problems
- [documenting specific adverse-action reason codes within ECOA/Reg-B notification timelines](/Problems/documenting_specific_adverse-action_reason_codes_within_ECOA%2FReg-B_notification_timelines) — exposes problem · Problems
- [Credit Adjudication Decision Latency](/Problems/Credit_Adjudication_Decision_Latency) — exposes problem · Problems

### Automated by

- [Loan Origination System](/Software/Loan_Origination_System) — automated by · Software
- [Credit Decision Engine](/Software/Credit_Decision_Engine) — automated by · Software
- [Rendering Credit Decision](/Activities/Rendering_Credit_Decision) — automated by · Activities
- [Applying Credit Policy Rules](/Activities/Applying_Credit_Policy_Rules) — automated by · Activities
- [Scoring Creditworthiness](/Activities/Scoring_Creditworthiness) — automated by · Activities

### Outsourced to

- [Loan Servicing Provider](/CompanyTypes/Loan_Servicing_Provider) — outsourced to · CompanyTypes
- [Credit Bureau](/CompanyTypes/Credit_Bureau) — outsourced to · CompanyTypes
- [Credit Decisioning Provider](/CompanyTypes/Credit_Decisioning_Provider) — outsourced to · CompanyTypes

### Delivered by

- [Credit Risk Officer](/JobTypes/Credit_Risk_Officer) — delivered by · JobTypes
- [Underwriter](/JobTypes/Underwriter) — delivered by · JobTypes
- [Credit Analyst](/JobTypes/Credit_Analyst) — delivered by · JobTypes
- [Underwriting](/Departments/Underwriting) — delivered by · Departments
- [Credit Risk Department](/Departments/Credit_Risk_Department) — delivered by · Departments

### Industries where this operates

- [Petroleum and Petroleum Products Merchant Wholesalers](/Industries/Petroleum_and_Petroleum_Products_Merchant_Wholesalers) — operates in · Industries